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近几年,银行理财飞单事件时常发生并屡见报道,在社会中引起较大关注。根据飞单中银行与客户之间的关联要素的不同,可区分为弱交集型飞单和强交集型飞单,常见的弱交集型飞单并不构成表见代理和银行员工职务行为,而强交集型飞单是否构成表见代理则需看具体情况。在飞单案件处理中,应坚持依法的主体思路,严格区分案件中的管理责任与直接责任,主要追究直接责任;整合利用司法力量,调整监管部门在案件处理中的角色功能;大力推进互联网金融,着力实现理财产品的互联网单一销售渠道。
In recent years, bank financial flyer incident often occurs and frequently reported in the community aroused greater concern. According to the difference between the related elements between the bank and the customer in the flight ticket, it can be distinguished as the weak intersection airline and the strong intersection airline, and the common weak intersection airline does not constitute the representation agent and the bank employee. Strong intersectant type flyer constitutes a watch agent depends on the specific circumstances. In the handling of fly-list cases, we should adhere to the main idea of law and strictly distinguish the management responsibilities and direct responsibilities in the cases, mainly for direct responsibility; integrate the use of judicial power to adjust the regulatory functions in the handling of cases; vigorously promote Internet finance , Strive to achieve a single product sales network of Internet products.